ACCESSING INDEPENDENCE

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2002

Legal Domicile

Principal Officer

JUDY NAYLOR

Phone

7173971841

Tax Period

2024-07-01 to 2025-06-30

ACCESSING INDEPENDENCE, founded in 2002, is a community nonprofit in the Health Care sector that reported $3.0M in total revenue in fiscal year 2024. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $3.7M exceeded revenue, resulting in a 23% operating deficit.

Mission

TO ENHANCE THE INDEPENDENCE AND ENRICH THE LIVES OF INDIVIDUALS WITH PHYSICAL AND AGE RELATED DISABILITIES THROUGH A DIRECT CARE SERVICES ORGANIZATION THAT PROVIDES IN-HOME CARE TO SENIORS AND INDIVIDUALS WITH DISABILITIES, AS WELL AS AN ADULT DAY PROGRAM.

Program Service Accomplishments

Program 1

Expenses: $1,213,220 Revenue: $1,112,949

ADULT ENRICHMENT PROVIDES AN ACTIVE LIFE-SKILLS DAY PROGRAM TO HELP MENTALLY ALERT ADULTS WITH PHYSICAL AND OTHER DISABILITIES FIND FOCUS, USE THEIR GIFTS AND TALENTS, AND ENRICH THEIR LIVES. OUR...

ADULT ENRICHMENT PROVIDES AN ACTIVE LIFE-SKILLS DAY PROGRAM TO HELP MENTALLY ALERT ADULTS WITH PHYSICAL AND OTHER DISABILITIES FIND FOCUS, USE THEIR GIFTS AND TALENTS, AND ENRICH THEIR LIVES. OUR GOAL IS TO TOUCH PARTICIPANTS' LIVES IN WAYS THAT ENHANCE SELF-ESTEEM, CONFIDENCE, INDEPENDENCE, DECISION-MAKING SKILLS, SOCIAL INTERACTION, AND PERSONAL GROWTH.

Program 2

Expenses: $2,403,077 Revenue: $1,881,115

INDEPENDENT LIVING SERVICES OFFERS A WIDE RANGE OF IN-HOME, NON-MEDICAL PERSONAL CARE SERVICES TO AGING PEOPLE WITH PHYSICAL OR OTHER DISABILITIES AND THOSE RECOVERING FROM AN INJURY IN NEED OF...

INDEPENDENT LIVING SERVICES OFFERS A WIDE RANGE OF IN-HOME, NON-MEDICAL PERSONAL CARE SERVICES TO AGING PEOPLE WITH PHYSICAL OR OTHER DISABILITIES AND THOSE RECOVERING FROM AN INJURY IN NEED OF LIMITED ASSISTANCE.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $26,871

Program Service Revenue $2,994,064

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,020,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,833,964

Fundraising Expenses $0

Program Expenses $3,616,297

Other Expenses $882,582

TOTAL EXPENSES $3,716,546

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,020,935	$4,267,138	-0.3%
Expenses	$3,716,546	$4,787,611	-0.2%
Net Income	$-695,611	$-520,473	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

286

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$852,840

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHUCK SMITH	CHAIR	1.00	Officer Director	$0	$0	$0
BROOKE HOXWORTH	TREASURER	1.00	Officer Director	$0	$0	$0
DEB BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA CAMPOLI-SMITH	DIRECTOR	1.00	Director	$0	$0	$0
DAVID CASEY	DIRECTOR	1.00	Director	$0	$0	$0
LINDA CHEVER LSW	DIRECTOR	1.00	Director	$0	$0	$0
SANDRA FORBES	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM KEPNER	CEO	4.00	Officer	$0	$9,808	$324,575
ELIZABETH BRENNAN	CFO	4.00	Officer	$0	$6,769	$238,631
JUDY NAYLOR	COO	2.00	Officer	$0	$29,028	$289,634
NANCY MCCORMICK	VP MARKETING & BUS DEV	11.00	Highest	$0	$13,853	$191,866

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$3,020,935	$3,716,546	$6,842,598	$-695,611
2024	$4,267,138	$4,787,611	$6,621,786	$-520,473
2023	$3,905,508	$4,436,203	$6,157,554	$-530,695
2022	$3,704,417	$4,021,639	$4,631,874	$-317,222
2021	$4,346,653	$4,767,815	$3,849,007	$-421,162
2020	$4,838,298	$4,940,028	$2,897,957	$-101,730
2019	$4,431,563	$4,686,869	$1,503,632	$-255,306
2018	$4,464,668	$4,732,697	$969,078	$-268,029